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Entering the property market is no easy feat for a first homebuyer, but even parents who aren't prepared to hand over cash for a deposit may help by being a guarantor on a loan. Before taking the plunge however, it's crucial to be aware of the implications involved. Here are three questions to ask yourself to see if a family guarantee is right for you: read more

Pre-approval is a lender's assessment of your likelihood of being approved for an otherwise suitable loan. The appraisal is made on the basis of your ability to service a loan by looking into your living expenses and liabilities, your credit history, your employment circumstances and how often you have moved home or employment in the recent past. read more

Profile

Gavin Carlson

I've worked in the Mortgage Industry for over 15 years. In that time I've organised hundreds of home and investment loans for people from all walks of life. In this day and age there can be any number of small or large issues that arise when you're looking for finance. This could be something as simple as being employed on a casual or part-time basis right through to larger issues such as credit defaults. Either way I'm here to give you feasible finance options.

I also view my role as not just organising the loan but explaining the entire process, be that purchasing a new property or re-financing an existing loan. Most people have no idea what or how things occur when they're purchasing a property. That's where I come in. I'll explain everything in simple English so you're left in no doubt as to where you stand.

I can also help with organising vehicle and equipment finance. In some cases car dealers can make more money from the finance than they do from the sale of the vehicle. I'll get your vehicle finance approved so you're in a position to negotiate the purchase price of the vehicle on a level playing field.

I started using Gavin Carlson from RFS about 18 months ago for my business Solutions 4 Cleaning. Our business was at a point where we needed to grow and Gavin has helped us through the process. He looked at our financial position and started to provide realistic advice on what we needed to do to ensure that when we needed to take the necessary steps we were ready. Sure enough about 2 months later we needed our first van and because Gavin had everything ready to go we were able to have all the boxes ticked within a day. Gavin has recently helped us finance our second business vehicle. Next step – re-finance our home loan.

Thanks Gav, it's nice to have one less thing to worry about as well as receiving proactive and realistic advice on what we need to do to keep moving forward.

David Owner, Solutions 4 Cleaning

ABOUT US

RFS is a financial services company, offering a breadth and depth of financial products, including Finance Broking and Credit related services, Risk Insurance, Financial Planning and Superannuation. At RFS, our team are ... read more